Mortgage calculator

Our handy mortgage calculator gives you an idea of how much you could borrow, what your monthly repayments could be and our mortgage interest rates.

Important information

Things you need to know

Looking for a new build?

If you’re buying a new build property it’s worth noting that the most we can lend you is 75% of the value of a flat, or 85% of the value of a house.

About your calculator results

After you enter your details into our mortgage calculator, you will be shown an estimate of what your monthly repayments might be. This is purely an example of what you might pay during your initial rate period, and may not reflect your final amount.

Your results are for information only

By providing this information, we are not making any recommendation or giving any advice. This calculator only gives you an indication of the amount you could borrow, so the figure it shows could be different from the amount we will actually lend you.

This information doesn’t contain everything you need to choose a mortgage. You’ll need to request and read the Mortgage Illustration (a document that tells you how much your mortgage will cost, as well as some other important information about the key features of your mortgage) before you make a decision.

We can withdraw or change our mortgage offers at any time.

Using the calculator

How much could you borrow?

Our mortgage calculator estimates how much you can borrow by looking at your salary, additional income and your monthly spending. You can also see a range of mortgage options by selecting which home-buying situation describes you best – first-time buyer, moving home or remortgaging.

For example, if you select ‘first-time buyer’ you will be able to enter how much of a deposit you have saved up. This helps us give you a clearer example of how much you could potentially borrow. Bear in mind that the final amount, length of loan and interest rate can vary when you come to formally apply for a mortgage.

Our handy mortgage guides can help

Whatever your situation or how far you are along the home-buying journey, our handy mortgage guides can help you learn more about how the process works. Pick a situation that best suits your needs to get a breakdown of what you need to think about.

LTV, deposits, repayments and fees

Calculate your LTV

Our calculator provides you with an estimated mortgage loan to value (LTV) to help you understand your options and plan your mortgage. The LTV is based on the mortgage amount you wish to borrow as well as how much the property you want to buy is worth.

For example, if you have a mortgage of £150,000 on a house that’s worth £200,000, you have a loan-to-value of 75% - therefore you have £50,000 as equity.

Decide on the size of your deposit

Your deposit amount can play a big part in how much your monthly mortgage repayments are as well as which of our mortgages are right for you.

Plan out your monthly mortgage repayments

Our calculator estimates your monthly repayments for each of your mortgage options based on the income and spending information you provided. Monthly payments are dependent on the term of the mortgage and the amount you can borrow. Your actual repayment amount may be different from what’s displayed here, as this calculator serves as a guide only.

Be aware of the typical mortgage fees

Our fees are displayed within your mortgage calculator results so that you can incorporate them into your planning. We have two types of mortgage fees, though not all mortgages will have both fees.

Fees payable may include a product fee, which can be paid upfront or added to the mortgage.

Contact us - we're here to help

Need a few questions answered? Want to chat rather than scroll? Our UK-based teams are here to talk to you six days a week. Lines are open Monday to Friday 8am-9pm and Saturday 9am-4pm.

Call 0345 217 2050* to chat about new policies.

* These numbers may be included as part of any inclusive call minutes provided by your phone operator.